Health Savings Account

Health Savings Account or "HSA" as it is called (formerly known as Medical Savings Account MSA).

The HSA plan has two simple parts. The first part is a very affordable, straight forward, high-deductible health plan. Annual deductibles range from $1,200 to $10,000. Obviously, the higher the deductible, the lower the monthly premium.

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The second part is the actual “Savings Account.” An easy way to describe this account is to view it as a medical IRA. It is simply a savings account which gives you the option to fund at your will. Better yet, every dollar you put into that HSA account is 100% pre-tax! What many Oregon HSA policy owners like about the HSA is those pre-tax dollars that you have in the account can be used for things such as chiropractors, accupuncture, alternative care, naturopathic care, dental/orthodontia, vision and much much more. As of this writing, the HSA will be available under ORHIX & Cover Oregon!

The great news is, unlike a cafeteria plan which goes away every year (use it or lose it), the dollars you put into your HSA will continue to grow year after year. Many plans even allow you to invest those funds into different investment vehicles!

Self Employed and Small Business Owners love HSA's. We ought to know, we have been an HSA leader in Oregon since 1999.

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"I had a very positive experience with my insurance broker. I had very limited knowledge about such matters and Mr Pibal was very patient and made sure I understood what I was getting and worked within my budget."